BayCom Corp
For the period ended Dec 31, 2025. Filed Mar 16, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Mar 16, 2026
BCML$31.29+0.1%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Balance Sheets – December 31, 2025 and 2024
December 31, 2025 and 2024
(In thousands, except for share data)
| | | | | | | |
|---|---|---|---|---|---|---|
| · · December 31, · · December 31, | ||||||
| · · 2025 · · 2024 | ||||||
| ASSETS · · · · | ||||||
| Cash due from banks | | $26,785 | | $23,138 | ||
| Federal funds sold and interest-bearing balances in banks | | 179,729 | | 340,894 | ||
| Cash and cash equivalents | | | 206,514 | | 364,032 | |
| Time deposits in banks | | | — | | 249 | |
| Investment securities available-for-sale ("AFS"), at fair value, net of allowance for credit losses of $0 at both December 31, 2025 and December 31, 2024 | | | 179,708 | | 193,328 | |
| Equity securities, at fair value | | | 12,554 | | | 13,120 |
| Federal Home Loan Bank ("FHLB") stock, at par | | | 11,524 | | 11,313 | |
| Federal Reserve Bank ("FRB") stock, at par | | | 7,722 | | 9,645 | |
| Loans held for sale | | | 1,316 | | 2,216 | |
| Loans, net of allowance for credit losses of $21,210 at December 31, 2025 and $17,900 at December 31, 2024 | | | 2,045,126 | | 1,934,996 | |
| Premises and equipment, net | | | 13,220 | | 13,386 | |
| Core deposit intangible, net | | | 1,745 | | 2,693 | |
| Cash surrender value of bank owned life insurance ("BOLI") policies, net | | | 24,353 | | 23,591 | |
| Right-of-use assets ("ROU"), net | | | 12,665 | | | 13,383 |
| Goodwill | | | 38,838 | | 38,838 | |
| Interest receivable and other assets | | | 38,392 | | 43,718 | |
| Total assets | | $2,593,677 | | $2,664,508 | ||
| | | | | | | |
| LIABILITIES AND SHAREHOLDERS’ EQUITY | | | | | | |
| Noninterest and interest bearing deposits | | $2,213,640 | | $2,234,009 | ||
| Junior subordinated deferrable interest debentures, net | | 8,726 | | 8,645 | ||
| Subordinated debt, net | | | — | | | 63,736 |
| Salary continuation plan | | 5,122 | | 4,737 | ||
| Lease liabilities | | 13,659 | | 14,383 | ||
| Interest payable and other liabilities | | 13,976 | | 14,632 | ||
| Total liabilities | | 2,255,123 | | 2,340,142 | ||
| Commitments and contingencies (Note 15) | | | | | ||
| | | | | | | |
| Shareholders' equity | | | | | ||
| Preferred stock, no par value; 10,000,000 shares authorized; no shares issued and outstanding at both December 31, 2025 and December 31, 2024 | | — | | — | ||
| Common stock, no par value; 100,000,000 shares authorized; 10,887,681 and 11,121,475 shares issued and outstanding at December 31, 2025 and December 31, 2024, respectively | | 165,998 | | 172,254 | ||
| Additional paid in capital | | 287 | | 287 | ||
| Accumulated other comprehensive loss, net of tax | | (6,634) | | (13,006) | ||
| Retained earnings | | 178,903 | | 164,831 | ||
| Total shareholders’ equity | | 338,554 | | 324,366 | ||
| Total liabilities and shareholders’ equity | | $2,593,677 | | $2,664,508 | ||
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.